First-Time Homebuyer Programs in Pennsylvania

Pennsylvania offers several statewide homebuyer assistance programs through the Pennsylvania Housing Finance Agency (PHFA). Key programs include the Keystone Forgivable in Ten Years (K-FIT) loan providing 5% of the purchase price in forgivable assistance, the Keystone Advantage Assistance Loan offering up to $6,000 at 0% interest, and the HOMEstead Program providing up to $10,000 in forgivable down payment and closing cost assistance in eligible counties.